Credit reporting projects require profound analysis and subjectivity, and the proposed solutions may vary if countries are at different stages of development. The Credit Reporting Toolkit, spread over five modules, provides step-by-step guidelines to conduct assessments of a country's credit reporting infrastructure
to identify areas for improvement, or to support the creation of the credit reporting infrastructure where none exists
and to support the development of a proposal, establishing an action plan. This general assessment follows the four pillars of Bank Group interventions: legal, system, capacity building, and awareness and financial literacy.